Tom..........just because Gertie caused more activity than tighty whities, you musn't fret about it! lol I think the reason things like this cause a fair amount of speculating and discussion is that alot of people have the same names, so you want to make sure you have the right one! That is MY reasoning anyway. KathyB ____________________________________________________________ Refinance as low as 2.625% Loans under 729K usually qualify for US GOV backed refinance programs http://thirdpartyoffers.juno.com/TGL3141/4d8442053848d235236st04duc